Charlotte County property record for 409 Monaco Dr, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,329 sqft · built 2003 |
| Lot Size | 0.242 acres (10,528 sqft) |
| Owner | Company Name on Record |
| Last Sale | $520,000 (May 2021) |
| Tax Bill | $7,384 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 412320308011 |
| Primary APN | 412320308011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,329 sqft Living Area |
| Gross Area | 3,306 sqft |
| 1st Floor Area | 2,329 sqft |
| Fireplaces | 1 Fireplace |
|---|---|
| Fireplace | Fireplace |
| Intercom | Intercom |
| Elevator | Elevator |
| Central Vacuum | Central Vacuum |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Tile |
| Lot Area | 10,528 sqft (0.242 acres) |
| Garage Type | Attached |
| Garage Area | 621 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,544 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 35 sqft |
|---|---|
| Porch | Raised Porch |
| Porch Area | 356 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952602120006 |
|---|---|
| Street Address | 409 MONACO DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-7807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PUNTA GORDA ISLES SEC15 BLK290 LT 1 835/2167 1015/959 1028/1542 1576/2103 2009/93 3541/65 4760/2 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 20 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 290 |
| Legal Lot Number | 1 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 10405 |
Source: Charlotte County records, as of November 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 409 MONACO DR, PUNTA GORDA, FL 33950-7807 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2021 · Amount on Record |
| Deed Sale | May 4, 2021 · Amount on Record |
| Prior Sale | Mar 5, 2002 · Amount on Record |
| Deed Document Number | 20212939948 |
| Deed Book / Page | 4760 / 2 |
| Prior Transfer Date | Jan 11, 2011 |
| Prior Transfer Doc | 0035410065 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 4, 2021 |
| Property Address | 409 MONACO DR, PUNTA GORDA, FL 33950-7807 |
| Document Number | 0047600002 |
| Book / Page | 4760 / 2 |
| Map Reference | MB 8 PG 20A-20Z5 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2939948 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | BURNT STORE TITLE LLC, BURNT STORE T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14285 W NORTH OAK BLVD, 14285, NEW BERLIN, WI 53151-7469 |
| Name | Verified Name |
|---|---|
| Address | 720 BLUE GRASS RD, LANCASTER, PA 17601-4706 |
| Document Number | 47604 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 4760/4 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,384.00 (+2.29%) Homeowner's exemption | $485,340 (+5.99%) | $529,409 (+2.03%) Land $97,750 Building $431,659 |
| 2024 | $7,219.00 (+1.53%) | ||
| 2023 | $7,110.00 (+2.66%) Homeowner's exemption | $457,924 (+3%) | $518,884 (+16.71%) Land $100,000 Building $418,884 |
| 2022 | $6,926.00 Homeowner's exemption | $444,586 Land $76,500 Building $368,086 | $444,586 Land $76,500 Building $368,086 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 823 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,051 units insured incl. 228 condo units |
| Nearby Flood Claims | 19 (2004–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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